Celco Annual Report 2025

Annual Report 2025 Strengthening Community Connections

Table of Contents Annual Report 2025, Celco Community Credit Union 2024 Annual Meeting Minutes……………………………………. 2 President’s Report…………………………………………………..3 Financial Statements……………………………………………..4-5 Distributions of Income for 2024………………………………….. 6 Committee Reports………………………………………………….7 CEO Report…….…………………………………………………….8 Board of Directors……………………………………………………9 Dedication to Patricia Meredith Crotty……………………………10

Agenda 68th Annual Meeting, October 11, 2025

Call to Order President…………………………………..Jeff Morris Prayer…………………………………………………Mark Clemons Business Establish Quorum Approval of 2024 Annual Meeting Minutes Review of President’s Report Elections Board of Directors - Nominations & Elections Drawings for Prizes…………..Marketing & Education Committee Adjournment Dinner……………………………………………… Country Kitchen

October 19, 2024 2024 Annual Meeting Minutes

President Jeff Morris called to order the Annual meeting of the Celco Community Federal Credit Union in the Giles County High School auditorium. Board members in attendance were Jeff Morris, Connie Copeland, Harriett Fletcher, Alvin Crotty, Karen Turner, Jerry Eaton and Jeff Williams. The President welcomed all the members and asked Mark Clemons to please give the invocation and lead the members in the Pledge of Allegiance. The President then asked the Board if there was a quorum present. They replied yes. The President then asked to review last years minutes. Harriett Fletcher makes a motion to approve last year’s minutes; Connie Copeland Seconded. President Jeff Morris then spoke about the remodeling at the Narrows branch of the Credit Union and encouraged all who have not been in to see it to come. He then thanked all volunteers for offering their time, the Marketing/Education Committee for planning the annual meeting and the Supervisory Committee for the work they perform. He spoke of the decisions made by the Board and that we have experienced a good year. He also thanked the credit union members.

Next on the agenda was the election of members for Board of Directors. There were no nominations from the floor, Alvin Crotty moved that the nominations be closed; seconded by Jeff Williams. There were four names on the ballot: Anne Chambers, Connie Copeland, Karen Turner, and Sheila Stafford. The president then asked for the ballots to be collected and counted. The Marketing/Education committee then starts awarding the prizes to the children and the adults. Clay Bane, Chairman of the Supervisory then spoke about the responsibilities of the Supervisory Committee and, responsibility of the auditors and told all members that our Credit Union is in good hands. He then announced the winner’s names. Elected to the Board of Directors are Connie Copeland and Shelia Stafford. Respectfully submitted, Jeff Morris , President Karen Turner , Secretary

2

President’s Report

We are excited to share that Celco Community Credit Union has celebrated another financially strong year. So, thank you, to all of our members for making 2024 another remarkable successful year, you are the reason we can celebrate our 68th year of service. All year long, your Credit Union has worked tirelessly to make your life easier and strengthen your financial future. Through innovative services, personalized support, and a commitment to your success, we’ve focused on providing solutions that meet your needs and help you thrive. We are currently participating in the CO-OP Shared Branch Network: national network allows members of one participating credit union to conduct a range of transactions (like deposits, withdrawals, and loan payments) at any other participating credit union, essentially like treating it like your home branch (Celco). So, if you are out of town and you need to make a deposit or a loan payment stop in to a Credit Union that participates in CO-OP and make your deposit or payment. It’s just another way, that we at Celco Community Credit Union are trying to make life more convenient for you. Also, we have Expanded Our Field of Membership , if you LIVE, WORK, WORSHIP, or ATTEND SCHOOL in Bland, Craig, Giles, Montgomery, Pulaski, or Wythe counties, Virginia ; and Mercer, Monroe, or Summers counties, West Virginia : or Radford city, Virginia, you can now get your friends, family and love ones to join Celco Community Credit Union. To make life more convenient, we have four ATM locations: Our newest ATM is located at 250 Virginia Avenue, Rich Creek, the others are located at our Narrows office, Pembroke branch and Carilion Giles Community Hospital. Celco Community Credit Union continues to remain a major contributor to programs in our community such as the A.C.C.E. Program (Access to Community College Education), local school programs, Police and Fire Departments, and other community projects. As we look ahead, your Credit Union will continue to go above and beyond offering tailored financial solutions while recognizing the unique needs that make each of our members special. Our members are at the heart of everything we do and we’ll continue delivering meaningful value in the years ahead. On behalf of the Board of Directors, I would like to thank the office staff and our volunteers for their hard work and continued dedication to the Celco Community Credit Union. Respectively, Jeff Morris , President

3

4

CELCO COMMUNITY CREDIT UNION Operating Statement for the Year 2023 AND 2024

2024

2023

Assets Total Loans

$75,278,295 (740,514) 74,537,781 2,032,796 19,503,790 28,026,000 5,365,434 1,042,892 5,440,012 1,159,786

$73,119,575 (733,575) 72,386,000 2,023,321 14,808,730 33,858,000 5,273,673 1,100,774 4,514,026 1,178,786

Less: Allowance for Loan Losses

Net

Cash

Vizo Financial Corp CU Held to Maturity Securities MASS Mutual Investment

NCUA Share Insurance Cap. Deposit

Prepaid Post Ret. Benefit

Land and Building (Net of depreciation)

131,602 98,526

181,433 115,303

Other Fixed Assets

Accrued Income on Investments

1,848,517

2,047,271

Other Assets

TOTAL ASSETS

$139,187,136 $137,487,317

LIABILITIES & EQUITY Total Liability

$2,449,402

$2,287,217

Regular Shares

91,215,785 16,334,393 3,550,298 111,100,476 6,831,012 3,356,997 17,136,433 (1,687,185)

91,153,509 16,745,458 3,883,359 111,782,326 6,831,012 3,356,997 15,728,080 (2,498,316)

Share Drafts

I.R.A. ‘s

Total Shares of Members

Regular Reserve

Reserve for Contingencies

Undivided Earnings

(Gain) / Loss

$ 139,187,136 $137,487,317

TOTAL LIABILITY & EQUITY

4

CELCO COMMUNITY CREDIT UNION Operating Statement for the Year 2023 AND 2024

2024

2023

INCOME & EXPENSES

$4,276,276 1,021,507 1,183,745

$3,458,114 1,338,856 1,118,855

Interest on Loans

Income form Investments

Fee Income

173,326

170,210

Other Operating Income

Total Gross Income

$6,654,854

$6,086,035

$2,182,497

$2,116,997

Employee Compensation and Benefits Training and Conference Expenses

7,647

11,614 37,075 148,191 214,788 164,538 83,909 555,725 25,825 81,800 12,957 39,017 22,097 539,597 115,447 (609)

Association Dues

32,472 170,877 239,469 156,488 76,959 550,248 40,039 104,050 34,694 21,587 548,708 130,584 119,339 821,706 617 8,520

Office Occupancy Expenses Office Operation Expenses Marketing & Education Expenses

Loan Servicing Expenses

Professional & Outside Service Federal Supervision & Exam

Visa Expenses

Total Cash (Over) & Short Annual Meeting Expenses

Miscellaneous Operating Expense

Share Draft Expenses ATM / VISA Expense Provision for Loan Loss

Other Expenses

571

665,249

Dividends

Total Expenses

$5,246,501

$4,834,788

$1,408,353

$1,251,247

Net Income 2024 & 2023

5

Distributions of Income for 2024

1st Qtr

2nd Qtr

3rd Qtr

4th Qtr

SHARES

108,037,408 106,728,904 106,653,830 107,550,179

IRA’s

3,858,999

3,700,578

3,635,884

3,550,298

TOTAL

111,986,407 110,429,482 110,289,714 111,100,477

Total Share Dividends Total I.R.A. Dividends

777,449 44,257 821,706

Grand Total (Returned of Members)

Total Assets as of December 31, 2024 Total Assets as of December 31, 2023 Total Assets as of December 31, 2022 Total Assets as of December 31, 2021

$139,187,135 $137,487,317 $140,049,725 $135,181,196

There were 1,253 loans made in 2024 in the amount of $21,643,215. After all expenses were paid the membership received $821,706 in dividends. Jeff Morris , President TREASURER’S REPORT For sixty-eight years, Celco Community Federal Credit Union has been an intricate part of Giles County offering our members help with all their financial needs. The Credit Union strives to update our programs and services to meet our members every financial need with courteous and helpful services. We thank you, our members for using the Credit Union for all your financial needs. Remember, the Credit Union belongs to “YOU”, our members. Respectfully Submitted, Connie Copeland , Treasurer

6

Supervisory Committee Clay Bane, Chairman Dianne Gautier, Member Robert Claytor, Jr., Member Debbie Lewis, Secretary Supervisory Committee Clay Bane, Chairman Dianne Gautier, Member Robert Claytor, Jr., Member Debbie Lewis, Secretary Other Assets Darlene Blankenship, Member Supervisory Committee Report The Supervisory Committee consists of four Credit Union members, appointed by the Board of Directors, who volunteer their time to perform the necessary duty of overseeing the Credit Union. The primary duties of the Committee are to ensure the effectiveness of internal controls for financial well being, to ascertain that established policies and procedures are followed, that policies are established when needed, and to assist in maintaining the overall safety and soundness of the Credit Union. The Committee also meets monthly to monitor new loans and review closed accounts. An outside auditing firm that is fully familiar with Credit Union operations and procedures performs an audit annually. We are satisfied that your Credit Union is in compliance with federal laws and is following sound and generally accepted good accounting practices. Supervisory Committee Report The Supervisory Committee consists of four Credit Union members, appointed by the Board of Directors, who volunteer their time to perform the necessary duty of overseeing the Credit Union. The primary duties of the Committee are to ensure the effectiveness of internal controls for financial well being, to ascertain that established policies and procedures are followed, that policies are established when needed, and to assist in maintaining the overall safety and soundness of the Credit Union. The Committee also meets monthly to monitor new loans and review closed accounts. An outside auditing firm that is fully familiar with Credit Union operations and procedures performs an audit annually. We are satisfied that your Credit Union is in compliance with federal laws and is following sound and generally accepted good accounting practices. Secretary Member Member Member Member Assets Total Loans Net Cash Vizo Financial Corp CU Held to Maturity Securities MASS Mutual Investment Prepaid Post Ret. Benefit In addition to planning the Annual Meeting, we also are involved in planning and organizing different events through out the year. We Reserve for Contingencies 3,356,997 3,356,997 Undivided Earnings 17,136,433 15,728,080 (Gain) / Loss (1,687,185) (2,498,316) TOTAL LIABILITY & EQUITY $ 139,187,136 $137,487,317 Marketing & Education Committee Report Marketing & Education Committee Report Phyllis Chinault, Secretary Billy Neal, Member Mason Chinault, Member Eloise Helms, Member On behalf of the Marketing and Education Committee, we would like to welcome you to the 2025 Annual Meeting. Our committee is made up of volunteers from the Celco Community Credit Union staff, Credit Union members, and appointees from our Board of Directors. Our committee is designed to keep you, our members, informed about Credit Union news and events. In addition to planning the Annual Meeting, we also are involved in planning and organizing different events through out the year. We are proud to be part of this community and we would not be successful without you. We thank you for your continued support. We are so grateful that you are here with us today and we hope you enjoy this year’s meeting. On behalf of the Marketing and Education Committee, we would like to welcome you to the 2025Annual Meeting. Our committee is made up of volunteers from the Celco Community Credit Union staff, Credit Union members, and appointees from our Board of Directors. Our committee is designed to keep you, our members, informed about Credit Union news and events. In addition to planning the Annual Meeting, we also are involved in planning and organizing different events through out the year. We are proud to be part of this community and we would not be successful without you. We thank you for your continued support. We are so grateful that you are here with us today and we hope you enjoy this year’s meeting. Chairman Member Member Secretary Member LIABILITIES & EQUITY Total Liability Regular Shares Share Drafts I.R.A. ‘s Total Shares of Members Regular Reserve Reserve for Contingencies Undivided Earnings 7 7 4 4 Dana Yost, Chairman Less: Allowance for Loan Losses Other Fixed Assets Accrued Income on Investments TOTAL ASSETS Regular Reserve 6,831,012 6,831,012

Loan Review Committee CELCO COMMUNITY CREDIT UNION Operating Statement for the Year 2023 AND 2024

ory Committee Report Committee consists of four Credit Union ted by the Board of Directors, who volunteer their e necessary duty of overseeing the Credit Union. uties of the Committee are to ensure the internal controls for financial well being, to tablished policies and procedures are followed, established when needed, and to assist in verall safety and soundness of the Credit Union. also meets monthly to monitor new loans and ounts. ing firm that is fully familiar with Credit Union ocedures performs an audit annually. that your Credit Union is in compliance with is following sound and generally accepted good ces. Marketing & Education

Loan Review Committee Dana Yost, Chairman Chau Gunter, Secretary Selena Shrewsberry, Member Autumn Snider, Member Leslie Bandy, Member Dean M. Marshall, Member Loan Review Committee Dana Yost, Chairman Chau Gunter, Secretary Selena Shrewsberry, Member 2024

informed about Credit Union news and events.

are proud to be part of this community and we would not be successful without you. We thank you for your continued support.

We are so grateful that you are here with us today and we hope you enjoy this year’s meeting.

We are so grateful that you are here with us today and we hope you enjoy this year’s meeting.

In addition to planning the Annual Meeting, we also are involved in planning and organizing different events through out the year. We are proud to be part of this community and we would not be successful without you. We thank you for your continued support.

Committee Report On behalf of the Marketing and Education Committee, we would like to welcome you to the 2025Annual Meeting. Our committee is made up of volunteers from the Celco Community Credit Union staff, Credit Union members, and appointees from our Board of Directors. Our committee is designed to keep you, our members, informed about Credit Union news and events.

202

Chau Gunter,

Selena Shrewsberry, Autumn Snider, Leslie Bandy, Dean M. Marshall,

$75,278,295

$73,1

Loan Review Committee Report The Board of Directors appoints the Loan Review Committee to review loans as needed. The committee’s objective is to ensure that the members whose loans have been denied have a fair opportunity to appeal the denial. We at Celco Community Federal Credit Union understand the importance of timely decision making regarding our members lending needs. That is why the Board of Directors have empowered the loan officers at Celco Community to make lending decisions up to their respective lending authority, without making our membership wait for the Loan Review Committee to meet to approve loans. In the event a loan is denied, the member can appeal the loan to the Loan Review Committee for consideration, at which time the committee would meet to review the loan application. The committee considers each appeal on an individual basis and makes a decision on whether or not the Credit Union will reconsider the denied loan. Loan Review Committee Report The Board of Directors appoints the Loan Review Committee to review loans as needed. The committee’s objective is to ensure that the members whose loans have been denied have a fair opportunity to appeal the denial. We at Celco Community Federal Credit Union understand the importance of timely decision making regarding our members lending needs. That is why the Board of Directors have empowered the loan officers at Celco Community to make lending decisions up to their respective lending authority, without making our membership wait for the Loan Review Committee to meet to approve loans. In the event a loan is denied, the member can appeal the loan to the Loan Review Committee for consideration, at which time the committee would meet to review the loan application. The committee considers each appeal on an individual basis and makes a decision on whether or not the Credit Union will reconsider the denied loan. Autumn Snider, Member Leslie Bandy, Member Dean M. Marshall, Member Loan Review Committee Report The Board of Directors appoints the Loan Review Committee to review loans as needed. The committee’s objective is to ensure that the members whose loans have been denied have a fair opportunity to appeal the denial. We at Celco Community Federal Credit Union understand the importance of timely decision making regarding our members lending needs. That is why the Board of Directors have empowered the loan officers at Celco Community to make lending decisions up to their respective lending authority, without making our membership wait for the Loan Review Committee to meet to approve loans. In the event a loan is denied, the member can appeal the loan to the Loan Review Committee for consideration, at which time the committee would meet to review the loan application. The committee considers each appeal on an individual basis and makes a decision on whether or not the Credit Union will reconsider the denied loan. Member Member Secretary 74,537,781 72,3 2,032,796 2,0 19,503,790 14,8 28,026,000 33,8 5,365,434 5,2 1,042,892 1,1 5,440,012 4,5 1,159,786 1,1 131,602 1 98,526 1 1,848,517 2,0 $139,187,136 $137,4 $2,449,402 $2,2 Missy Spangler, Chairman Joan Johnson, Member Lisa Ferrell, Member Phyllis Chinault, Secretary Billy Neal, Member Mason Chinault, Member Eloise Helms, Member Darlene Blankenship, Member Total Liability $2,449,402 $2,287,217 Regular Shares 91,215,785 91,153,509 Share Drafts 16,334,393 16,745,458 I.R.A. ‘s 3,550,298 3,883,359 Total Shares of Members 111,100,476 111,782,326 Regular Reserve 6,831,012 6,831,012 Reserve for Contingencies 3,356,997 3,356,997 Undivided Earnings 17,136,433 15,728,080 (Gain) / Loss (1,687,185) (2,498,316) TOTAL LIABILITY & EQUITY $ 139,187,136 $137,487,317 Marketing & Education Committee Missy Spangler, Chairman Joan Johnson, Member Lisa Ferrell, Member Phyllis Chinault, Secretary Billy Neal, Member Mason Chinault, Member Eloise Helms, Member Darlene Blankenship, Member Marketing & Education Committee Missy Spangler, Chairman Joan Johnson, Member Lisa Ferrell, Member Phyllis Chinault, Secretary Billy Neal, Member Mason Chinault, Member Eloise Helms, Member Darlene Blankenship, Member Marketing & Education Committee Missy Spangler, Joan Johnson, Lisa Ferrell, Phyllis Chinault, 91,215,785 16,334,393 3,550,298 111,100,476 6,831,012 lay Bane, Chairman (740,514) (7 91,1 16,7 3,8 111,7

to to ve

NCUA Share Insurance Cap. Deposit

he rs ve ke

Land and Building (Net of depreciation)

upervisory Committee the committee would meet to review the loan application. The committee considers each appeal on an individual basis and makes a decision on whether or not the Credit Union will reconsider the denied loan.

y, w

ianne Gautier, obert Claytor, Jr., Marketing & Education Committee

an me Joan Johnson, Member Lisa Ferrell, Member

ebbie Lewis,

he nd ill

g & Education ee Report

Marketing and Education Committee, we would ou to the 2025Annual Meeting. Our committee unteers from the Celco Community Credit Union n members, and appointees from our Board of ommittee is designed to keep you, our members, redit Union news and events. nning the Annual Meeting, we also are involved in anizing different events through out the year. We part of this community and we would not be t you. We thank you for your continued support. LIABILITIES & EQUITY

6,8 3,3

7 3,356,997 17,136,433 (1,687,185)

Billy Neal,

15,7

Mason Chinault, Eloise Helms,

Member

(2,4

(Gain) / Loss

Member

7

he

nd

will

Celco Community Credit Union, exists to turn your dreams into reality, and we do that by Rising Above and Going Beyond. This people-first philosophy separates Celco Community Credit Union from other financial institutions and it’s the main reason we’re able to celebrate our 68th year of service to our members in 2024! This evening, we hope you will enjoy our program along with fellowship amongst family and friends. Over the past year, we have provided our members with products and services designed to save them money and support their financial growth. Whether you’re buying a home, upgrading your vehicle, or taking that once in a lifetime vacation, we’re here to provide the financial support you need to move forward with confidence. Here’s a glimpse of some of the highlights from 2024: ‣ No waiting, get your VISA debit cards issued instantly at our Narrows branch. ‣ We have Expanded Our Field of Membership , to individuals that LIVE, WORK, WORSHIP, or ATTEND SCHOOL in Bland, Craig, Giles, Montgomery, Pulaski, or Wythe counties, Virginia ; and Mercer, Monroe, or Summers counties, West Virginia : or Radford city, Virginia . ‣ We currently have four ATM locations: Our newest ATM is at, 250 Virginia Avenue in Rich Creek, VA (The Rich Creek Town Office) the other three Celco ATM’s are located at Carilion Giles Community Hospital, the Pembroke Office and the Narrows Office for your convenience. ‣ Celco Debit Cards, are now compatible with Google Pay and Apple Pay. ‣ Introduced our New App, Celco Card Control, that gives you complete control over your debit card so you can easily turn your card on or off, set restrictions based on amount, location, or merchant type. ‣ We are now participating in the CO-OP Shared Branch Network: national network allows members of one participating credit union to conduct a range of transactions (like deposits, withdrawals, and loan payments) at any other participating credit union, essentially like treating it like your home branch (Celco). ‣ Introduced the New Mobiliti App (mobile banking), move money, you can make your loan or credit card payment, monitor your accounts anytime and anywhere. ‣ Virtual Branch, is our new and improved online banking platform. ‣ Continue to support, sponsor, and participate in local community outreach initiatives (shred day, and local school activities). Celco Community Credit Union takes pride in providing members with solutions that fuel their personal dreams, it’s that same pride we take in supporting numerous community outreach initiatives that improve the quality of life for all citizens in the communities where we live, work, worship, and attend schools. We thank you for your loyalty and dedication, and we look forward to providing you with extraordinary service in the years to come. I would like to thank the Board of Directors, our volunteers, and especially the staff of Celco Community Credit Union for their continued dedication and support. Working together we can provide the quality service our members deserve. If you have any questions, concerns, or need more information about any service of Celco Community Credit Union, please contact me at the credit union. Thank you for your confidence in making Celco Community Credit Union your primary financial institution today and into the future. Respectively, Dean Marshall , CEO Chief Executive O ffi cer Report

8

Services Provided By Your Credit Union

‣ Savings Accounts ‣ Checking Accounts ‣ Loans - Real Estate, Boats, Automobiles, Personal, ATV ‣ Home Equity Lines of Credit ‣ Personal Lines of Credit ‣ Visa Debit & Credit Cards ‣ Safe Deposit Boxes ‣ IRA’s - Traditional & Roth ‣ Credit Life & Credit Disability Insurance ‣ ATM’s ‣ Courtesy Pay ‣ Visa Gift Cards ‣ Mobiliti APP (mobile banking) ‣ CO-OP Shared Branch Network

‣ Insurance Programs though TruStage Insurance Group ‣ On-Line Services: Bill Pay ‣ E-Statement & Virtual Branch ‣ Overdraft Protection ‣ Direct Deposit & Payroll Deduction ‣ Extended Vehicle Warranties ‣ GAP Vehicle Insurance ‣ ACH Automatic Payment ‣ Notary Public Service ‣ Investments & Insurance ‣ Financial Planning with Dan Hopkins ‣ 24hr Audio Teller

The Board of Directors

Jeff Morris President

Harriet Fletcher Vice President

Connie Copeland Treasurer

Karen Turner Director

Richard Alvin Crotty Director

Sheila Stafford Director

Jeff Williams Director

9

Dedicated to Patricia Meredith Crotty January 29, 1940 – April 13, 2025

Patty Meredith Crotty was born January 29, 1940, in Rich Creek, Virginia to the parents of Joseph and Irene Meredith. She was a beloved wife, mother, grandmother, sister, aunt, and friend. She passed away peacefully at the age of 85 after a courageous battle with dementia. Patty lived a life full of love and generosity. She married her husband Cecil Crotty on April 7, 1979. They later adopted their son Rick, forming a deeply bonded and loving family. After Cecil’s passing, Patty opened her heart again by hosting international exchange students, who became part of her extended family. Even in retirement, she returned to caregiving, working in both child and adult daycare programs. Patty’s faith, strength, and joy in giving were the cornerstones of her life. She was a guiding light too many and will be lovingly remembered for her warm heart, gentle spirit, and enduring legacy. Patty devoted over four decades of her life to serving others through her work at the Celco Federal Credit Union in Narrows, VA. She started her career as a teller in 1960. As the credit union grew over the years and evolved into Celco Community Federal Credit Union, she became a Loan Officer and later retired as a Visa Coordinator after 43 years of dedicated and compassionate service. After retirement Patty continued her dedication and service to the credit union serving on the Board of Directors, and volunteering at credit union events. She worked behind the scenes along with others to make Celco Community FCU events the best for the membership. Her kindness and professionalism touched generations of members in her community. Patty will be greatly missed by all that knew and loved her.

10

“People Helping People” Since 1956 Locations

Narrows 3381 Virginia Avenue Narrows, Virginia 24124 PH. 540.921.2700 Fax 540.921.4653

Pembroke 5862 Virginia Avenue Pembroke, Virginia 24136 PH. 540.626.2700 Fax 540.626.2703

Narrows Employees

Dean Marshall, CEO Mark Clemons, COO

Kristi Eaton, Accounting Supervisor Savannah Randel, Accounting Crystal Burton, Head Teller

Bridget Newby, Member Service Rep Dana Yost, Loan Administrator Chau Gunter, Real Estate / Loan Officer Autumn Snider, Real Estate / Loan Officer Crystal Mann, Collections Supervisor Ethan Spencer, Collections Leslie Bandy, Loan Officer

Kathryn Lambert, Teller Kimberly Meadows , Teller Christina Reed, Teller Jerrica Baker, Teller

Alyssa Shires, Teller

Abigail McGlothin, Part-TimeTeller Allison Clark, Part-Time Teller

Pembroke Employees Missy Spangler, Lead Teller Kim Yuvanavattana, Teller Vickie Lucas, Teller Selena Shrewsberry, Loan Officer

celcofcu.org (888) 921-2701

NCUA Insurance